3:"$Sreact.fragment"
4:I[5801,["4839","static/chunks/4839-a58897730c7f0aa4.js","7040","static/chunks/7040-f720f88956dc9df5.js","7970","static/chunks/7970-558c51b4added46f.js","5657","static/chunks/5657-44a2459e0dd3c515.js","7177","static/chunks/app/layout-7d45669604c054f5.js"],"ThemeProvider"]
5:I[23,["4839","static/chunks/4839-a58897730c7f0aa4.js","7040","static/chunks/7040-f720f88956dc9df5.js","7970","static/chunks/7970-558c51b4added46f.js","5657","static/chunks/5657-44a2459e0dd3c515.js","7177","static/chunks/app/layout-7d45669604c054f5.js"],"PlausibleAnalytics"]
6:I[4839,["4839","static/chunks/4839-a58897730c7f0aa4.js","7040","static/chunks/7040-f720f88956dc9df5.js","7970","static/chunks/7970-558c51b4added46f.js","5657","static/chunks/5657-44a2459e0dd3c515.js","4531","static/chunks/app/(site)/%5Bslug%5D/page-5bd60f90d79ccdf5.js"],""]
7:I[7970,["4839","static/chunks/4839-a58897730c7f0aa4.js","7040","static/chunks/7040-f720f88956dc9df5.js","7970","static/chunks/7970-558c51b4added46f.js","5657","static/chunks/5657-44a2459e0dd3c515.js","4531","static/chunks/app/(site)/%5Bslug%5D/page-5bd60f90d79ccdf5.js"],"Image"]
8:I[7121,["4839","static/chunks/4839-a58897730c7f0aa4.js","7040","static/chunks/7040-f720f88956dc9df5.js","7970","static/chunks/7970-558c51b4added46f.js","5657","static/chunks/5657-44a2459e0dd3c515.js","7177","static/chunks/app/layout-7d45669604c054f5.js"],"ThemeToggle"]
9:I[3312,["4839","static/chunks/4839-a58897730c7f0aa4.js","7040","static/chunks/7040-f720f88956dc9df5.js","7970","static/chunks/7970-558c51b4added46f.js","5657","static/chunks/5657-44a2459e0dd3c515.js","4531","static/chunks/app/(site)/%5Bslug%5D/page-5bd60f90d79ccdf5.js"],"Button"]
a:I[5244,[],""]
b:I[3866,[],""]
c:I[1436,["4839","static/chunks/4839-a58897730c7f0aa4.js","7040","static/chunks/7040-f720f88956dc9df5.js","7970","static/chunks/7970-558c51b4added46f.js","5657","static/chunks/5657-44a2459e0dd3c515.js","7177","static/chunks/app/layout-7d45669604c054f5.js"],"NewsletterForm"]
d:I[595,["4839","static/chunks/4839-a58897730c7f0aa4.js","7040","static/chunks/7040-f720f88956dc9df5.js","7970","static/chunks/7970-558c51b4added46f.js","5657","static/chunks/5657-44a2459e0dd3c515.js","7177","static/chunks/app/layout-7d45669604c054f5.js"],"LeadMagnet"]
f:I[6213,[],"OutletBoundary"]
11:I[6213,[],"MetadataBoundary"]
13:I[6213,[],"ViewportBoundary"]
15:I[4835,[],""]
1:HL["/_next/static/media/e4af272ccee01ff0-s.p.woff2","font",{"crossOrigin":"","type":"font/woff2"}]
2:HL["/_next/static/css/06d85d371ed1653e.css","style"]
0:{"P":null,"b":"vD09H7klX1P7oXflLCy5y","p":"","c":["","assurance-pno"],"i":false,"f":[[["",{"children":["(site)",{"children":[["slug","assurance-pno","d"],{"children":["__PAGE__",{}]}]}]},"$undefined","$undefined",true],["",["$","$3","c",{"children":[[["$","link","0",{"rel":"stylesheet","href":"/_next/static/css/06d85d371ed1653e.css","precedence":"next","crossOrigin":"$undefined","nonce":"$undefined"}]],["$","html",null,{"lang":"fr","suppressHydrationWarning":true,"children":["$","body",null,{"suppressHydrationWarning":true,"className":"__variable_f367f3 bg-background text-foreground","children":["$","$L4",null,{"children":[["$","$L5",null,{}],["$","header",null,{"className":"sticky top-0 z-50 border-b border-border/60 bg-background/80 backdrop-blur-lg","children":["$","div",null,{"className":"container flex items-center justify-between py-4","children":[["$","$L6",null,{"href":"/","className":"flex items-center gap-3","aria-label":"Retour à l'accueil","children":["$","$L7",null,{"src":"/logo.svg","alt":"Logo Notre Indépendance Financière","width":52,"height":52,"priority":true}]}],["$","nav",null,{"className":"hidden items-center gap-6 lg:flex","children":[["$","$L6","/#communaute",{"href":"/#communaute","className":"text-sm font-medium text-muted-foreground transition hover:text-primary","children":"Communauté"}],["$","$L6","/#portfolio",{"href":"/#portfolio","className":"text-sm font-medium text-muted-foreground transition hover:text-primary","children":"Investissements"}],["$","$L6","/#simulateurs",{"href":"/#simulateurs","className":"text-sm font-medium text-muted-foreground transition hover:text-primary","children":"Simulateurs"}],["$","$L6","/#ressources",{"href":"/#ressources","className":"text-sm font-medium text-muted-foreground transition hover:text-primary","children":"Ressources"}],["$","$L6","/cashflow",{"href":"/cashflow","className":"text-sm font-medium text-muted-foreground transition hover:text-primary","children":"Cash-flow"}]]}],["$","div",null,{"className":"flex items-center gap-2","children":[["$","$L8",null,{}],["$","$L9",null,{"asChild":true,"variant":"outline","className":"hidden md:inline-flex","children":["$","$L6",null,{"href":"/#communaute","children":"Rejoindre la communauté"}]}],["$","$L9",null,{"asChild":true,"className":"hidden lg:inline-flex","children":["$","$L6",null,{"href":"https://tally.so/r/mRPzQ4?utm_source=nif","children":"Investir dans l’immobilier"}]}],["$","$L9",null,{"variant":"outline","size":"icon","className":"lg:hidden","children":["$","svg",null,{"ref":"$undefined","xmlns":"http://www.w3.org/2000/svg","width":24,"height":24,"viewBox":"0 0 24 24","fill":"none","stroke":"currentColor","strokeWidth":2,"strokeLinecap":"round","strokeLinejoin":"round","className":"lucide lucide-menu h-4 w-4","children":[["$","line","1e0a9i",{"x1":"4","x2":"20","y1":"12","y2":"12"}],["$","line","1owob3",{"x1":"4","x2":"20","y1":"6","y2":"6"}],["$","line","yk5zj1",{"x1":"4","x2":"20","y1":"18","y2":"18"}],"$undefined"]}]}]]}]]}]}],["$","main",null,{"className":"bg-background","children":[["$","$La",null,{"parallelRouterKey":"children","segmentPath":["children"],"error":"$undefined","errorStyles":"$undefined","errorScripts":"$undefined","template":["$","$Lb",null,{}],"templateStyles":"$undefined","templateScripts":"$undefined","notFound":[["$","title",null,{"children":"404: This page could not be found."}],["$","div",null,{"style":{"fontFamily":"system-ui,\"Segoe UI\",Roboto,Helvetica,Arial,sans-serif,\"Apple Color Emoji\",\"Segoe UI Emoji\"","height":"100vh","textAlign":"center","display":"flex","flexDirection":"column","alignItems":"center","justifyContent":"center"},"children":["$","div",null,{"children":[["$","style",null,{"dangerouslySetInnerHTML":{"__html":"body{color:#000;background:#fff;margin:0}.next-error-h1{border-right:1px solid rgba(0,0,0,.3)}@media (prefers-color-scheme:dark){body{color:#fff;background:#000}.next-error-h1{border-right:1px solid rgba(255,255,255,.3)}}"}}],["$","h1",null,{"className":"next-error-h1","style":{"display":"inline-block","margin":"0 20px 0 0","padding":"0 23px 0 0","fontSize":24,"fontWeight":500,"verticalAlign":"top","lineHeight":"49px"},"children":"404"}],["$","div",null,{"style":{"display":"inline-block"},"children":["$","h2",null,{"style":{"fontSize":14,"fontWeight":400,"lineHeight":"49px","margin":0},"children":"This page could not be found."}]}]]}]}]],"notFoundStyles":[]}],["$","section",null,{"className":"container my-12","children":["$","div",null,{"className":"rounded-3xl border border-border bg-card p-6","children":[["$","h2",null,{"className":"text-xl font-semibold text-foreground","children":"Rester informé·e"}],["$","p",null,{"className":"text-sm text-muted-foreground","children":"Une fois par semaine : des stratégies testées, aucun spam, un lien pour confirmer votre inscription (double opt-in)."}],["$","div",null,{"className":"mt-4 max-w-md","children":["$","$Lc",null,{}]}]]}]}]]}],["$","footer",null,{"className":"border-t border-border/70 bg-card","children":[["$","div",null,{"className":"container grid gap-10 py-12 md:grid-cols-4","children":[["$","div",null,{"className":"space-y-4","children":[["$","p",null,{"className":"text-sm font-semibold uppercase text-primary","children":"Notre Indépendance Financière"}],["$","p",null,{"className":"text-sm text-muted-foreground","children":"Notre mission : fournir des méthodes fiables et des simulateurs auditables pour chaque investisseur immobilier francophone."}],["$","p",null,{"className":"text-xs text-muted-foreground","children":"Les informations publiées ont une vocation pédagogique et ne constituent pas un conseil financier individualisé."}]]}],["$","div",null,{"children":[["$","h3",null,{"className":"text-sm font-semibold text-foreground","children":"Guides essentiels"}],["$","ul",null,{"className":"mt-4 space-y-2 text-sm text-muted-foreground","children":[["$","li","signature-compromis-de-vente",{"children":["$","$L6",null,{"href":"/signature-compromis-de-vente","className":"hover:text-primary","children":"Compromis de vente : sécuriser chaque clause"}]}],["$","li","augmenter-ses-revenus",{"children":["$","$L6",null,{"href":"/augmenter-ses-revenus","className":"hover:text-primary","children":"Augmenter ses revenus pour accélérer l’investissement"}]}],["$","li","devenir-rentier",{"children":["$","$L6",null,{"href":"/devenir-rentier","className":"hover:text-primary","children":"Devenir rentier grâce à l’immobilier locatif"}]}],["$","li","pourquoi-investir",{"children":["$","$L6",null,{"href":"/pourquoi-investir","className":"hover:text-primary","children":"Pourquoi investir : raisons financières et sociétales"}]}],["$","li","comment-devenir-riche-rapidement",{"children":["$","$L6",null,{"href":"/comment-devenir-riche-rapidement","className":"hover:text-primary","children":"Comment devenir riche rapidement… et durablement"}]}]]}]]}],["$","div",null,{"children":[["$","h3",null,{"className":"text-sm font-semibold text-foreground","children":"Stratégies & simulateurs"}],["$","ul",null,{"className":"mt-4 space-y-2 text-sm text-muted-foreground","children":[[["$","li","acheter-un-immeuble-de-rapport",{"children":["$","$L6",null,{"href":"/acheter-un-immeuble-de-rapport","className":"hover:text-primary","children":"Immeuble de rapport : mode d’emploi complet"}]}],["$","li","investissement-ehpad",{"children":["$","$L6",null,{"href":"/investissement-ehpad","className":"hover:text-primary","children":"Investir en EHPAD sans surestimer le rendement"}]}],["$","li","marchand-de-biens",{"children":["$","$L6",null,{"href":"/marchand-de-biens","className":"hover:text-primary","children":"Marchand de biens : structurer des opérations agiles"}]}],["$","li","investir-airbnb",{"children":["$","$L6",null,{"href":"/investir-airbnb","className":"hover:text-primary","children":"Investir en Airbnb sans subir les régulations"}]}],["$","li","investir-crowdfunding",{"children":["$","$L6",null,{"href":"/investir-crowdfunding","className":"hover:text-primary","children":"Investir dans le crowdfunding immobilier en sécurité"}]}]],[["$","li","/calcul-rendement-locatif",{"children":["$","$L6",null,{"href":"/calcul-rendement-locatif","className":"hover:text-primary","children":"Simulateur rendement locatif"}]}],["$","li","/charges-de-copropriete",{"children":["$","$L6",null,{"href":"/charges-de-copropriete","className":"hover:text-primary","children":"Charges de copropriété"}]}],["$","li","/calcul-taux-endettement-33-pourcent",{"children":["$","$L6",null,{"href":"/calcul-taux-endettement-33-pourcent","className":"hover:text-primary","children":"Taux d’endettement 33 %"}]}]]]}]]}],["$","div",null,{"children":[["$","h3",null,{"className":"text-sm font-semibold text-foreground","children":"Ressources"}],["$","ul",null,{"className":"mt-4 space-y-2 text-sm text-muted-foreground","children":[[["$","li","pere-riche-pere-pauvre",{"children":["$","$L6",null,{"href":"/pere-riche-pere-pauvre","className":"hover:text-primary","children":"Père riche, père pauvre : leçons applicables en France"}]}],["$","li","glossaire-immobilier-investisseur",{"children":["$","$L6",null,{"href":"/glossaire-immobilier-investisseur","className":"hover:text-primary","children":"Glossaire immobilier de l’investisseur averti"}]}],["$","li","modele-tableur-plan-de-financement",{"children":["$","$L6",null,{"href":"/modele-tableur-plan-de-financement","className":"hover:text-primary","children":"Modèle tableur : plan de financement prêt à l’emploi"}]}],["$","li","checklist-visite-immobiliere",{"children":["$","$L6",null,{"href":"/checklist-visite-immobiliere","className":"hover:text-primary","children":"Checklist de visite immobilière exhaustive"}]}]],[["$","li","/assurance-pno",{"children":["$","$L6",null,{"href":"/assurance-pno","className":"hover:text-primary","children":"Assurance PNO"}]}],["$","li","/gli",{"children":["$","$L6",null,{"href":"/gli","className":"hover:text-primary","children":"GLI – loyers impayés"}]}],["$","li","/vacance-locative",{"children":["$","$L6",null,{"href":"/vacance-locative","className":"hover:text-primary","children":"Vacance locative"}]}],["$","li","/fiscalite-lmnp",{"children":["$","$L6",null,{"href":"/fiscalite-lmnp","className":"hover:text-primary","children":"Fiscalité LMNP"}]}],["$","li","/fiscalite-sci",{"children":["$","$L6",null,{"href":"/fiscalite-sci","className":"hover:text-primary","children":"Fiscalité SCI"}]}],["$","li","/fiscalite-micro-foncier",{"children":["$","$L6",null,{"href":"/fiscalite-micro-foncier","className":"hover:text-primary","children":"Micro-foncier"}]}],["$","li","/cashflow",{"children":["$","$L6",null,{"href":"/cashflow","className":"hover:text-primary","children":"Focus cash-flow"}]}]],["$","li",null,{"children":["$","$L6",null,{"href":"/mentions-legales","className":"hover:text-primary font-medium","children":"Mentions légales"}]}],["$","li",null,{"children":["$","$L6",null,{"href":"/politique-confidentialite","className":"hover:text-primary font-medium","children":"Politique de confidentialité"}]}],["$","li",null,{"children":["$","$L6",null,{"href":"/plan-du-site","className":"hover:text-primary font-medium","children":"Plan du site"}]}]]}]]}]]}],["$","div",null,{"className":"border-t border-border/50 py-6 text-center text-xs text-muted-foreground","children":["© ",2025," ","Notre Indépendance Financière"," — Tous droits réservés."]}]]}],["$","$Ld",null,{}]]}]}]}]]}],{"children":["(site)",["$","$3","c",{"children":[null,["$","$La",null,{"parallelRouterKey":"children","segmentPath":["children","(site)","children"],"error":"$undefined","errorStyles":"$undefined","errorScripts":"$undefined","template":["$","$Lb",null,{}],"templateStyles":"$undefined","templateScripts":"$undefined","notFound":[["$","title",null,{"children":"404: This page could not be found."}],["$","div",null,{"style":"$0:f:0:1:1:props:children:1:props:children:props:children:props:children:2:props:children:0:props:notFound:1:props:style","children":["$","div",null,{"children":[["$","style",null,{"dangerouslySetInnerHTML":{"__html":"body{color:#000;background:#fff;margin:0}.next-error-h1{border-right:1px solid rgba(0,0,0,.3)}@media (prefers-color-scheme:dark){body{color:#fff;background:#000}.next-error-h1{border-right:1px solid rgba(255,255,255,.3)}}"}}],["$","h1",null,{"className":"next-error-h1","style":"$0:f:0:1:1:props:children:1:props:children:props:children:props:children:2:props:children:0:props:notFound:1:props:children:props:children:1:props:style","children":"404"}],["$","div",null,{"style":"$0:f:0:1:1:props:children:1:props:children:props:children:props:children:2:props:children:0:props:notFound:1:props:children:props:children:2:props:style","children":["$","h2",null,{"style":"$0:f:0:1:1:props:children:1:props:children:props:children:props:children:2:props:children:0:props:notFound:1:props:children:props:children:2:props:children:props:style","children":"This page could not be found."}]}]]}]}]],"notFoundStyles":[]}]]}],{"children":[["slug","assurance-pno","d"],["$","$3","c",{"children":[null,["$","$La",null,{"parallelRouterKey":"children","segmentPath":["children","(site)","children","$0:f:0:1:2:children:2:children:0","children"],"error":"$undefined","errorStyles":"$undefined","errorScripts":"$undefined","template":["$","$Lb",null,{}],"templateStyles":"$undefined","templateScripts":"$undefined","notFound":"$undefined","notFoundStyles":"$undefined"}]]}],{"children":["__PAGE__",["$","$3","c",{"children":["$Le",null,["$","$Lf",null,{"children":"$L10"}]]}],{},null]},null]},null]},null],["$","$3","h",{"children":[null,["$","$3","Z9xaBQyUvo2Nb1s0Mg_8w",{"children":[["$","$L11",null,{"children":"$L12"}],["$","$L13",null,{"children":"$L14"}],["$","meta",null,{"name":"next-size-adjust"}]]}]]}]]],"m":"$undefined","G":["$15","$undefined"],"s":false,"S":true}
e:["$","article",null,{"className":"container space-y-10 py-12","children":[["$","nav",null,{"className":"flex items-center gap-2 text-xs text-muted-foreground","children":[[["$","span","/",{"className":"flex items-center gap-2","children":[["$","$L6",null,{"href":"/","className":"hover:text-primary","children":"Accueil"}],["$","span",null,{"children":"/"}]]}],["$","span","/#ressources",{"className":"flex items-center gap-2","children":[["$","$L6",null,{"href":"/#ressources","className":"hover:text-primary","children":"Ressources"}],["$","span",null,{"children":"/"}]]}],["$","span","",{"className":"flex items-center gap-2","children":[["$","$L6",null,{"href":"","className":"hover:text-primary","children":"Assurance PNO"}],false]}]],["$","script",null,{"type":"application/ld+json","dangerouslySetInnerHTML":{"__html":"{\"@context\":\"https://schema.org\",\"@type\":\"BreadcrumbList\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https://notre-independance-financiere.fr/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Ressources\",\"item\":\"https://notre-independance-financiere.fr/#ressources\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Assurance PNO\",\"item\":\"https://notre-independance-financiere.fr\"}]}"}}]]}],["$","header",null,{"className":"grid gap-6 rounded-3xl border border-border bg-card p-8 shadow-soft lg:grid-cols-[1.1fr_0.9fr]","children":[["$","div",null,{"className":"space-y-4","children":[["$","p",null,{"className":"text-xs font-semibold uppercase text-primary","children":"Glossaire investisseur"}],["$","h1",null,{"className":"text-3xl font-semibold text-foreground","children":"Assurance PNO"}],["$","p",null,{"className":"text-sm text-muted-foreground","children":"La PNO protège vos biens vacants et limite les mauvaises surprises budgétaires."}],["$","p",null,{"className":"text-sm text-muted-foreground","children":"Sans PNO, un simple dégât des eaux dans un bien vacant peut coûter plusieurs milliers d’euros. Intégrez-la dans vos simulations et négociez votre contrat auprès d’assureurs spécialisés dans l’investissement locatif."}],["$","div",null,{"className":"flex flex-wrap gap-3","children":[["$","$L9",null,{"asChild":true,"variant":"default","className":"group","children":["$","$L6",null,{"href":"/cashflow","children":["Voir les simulateurs cash-flow",["$","svg",null,{"ref":"$undefined","xmlns":"http://www.w3.org/2000/svg","width":24,"height":24,"viewBox":"0 0 24 24","fill":"none","stroke":"currentColor","strokeWidth":2,"strokeLinecap":"round","strokeLinejoin":"round","className":"lucide lucide-arrow-right ml-2 h-4 w-4 transition group-hover:translate-x-1","children":[["$","path","1ays0h",{"d":"M5 12h14"}],["$","path","xquz4c",{"d":"m12 5 7 7-7 7"}],"$undefined"]}]]}]}],["$","$L9",null,{"asChild":true,"variant":"secondary","className":"group","children":["$","$L6",null,{"href":"/calcul-rendement-locatif","children":["Tester un scénario",["$","svg",null,{"ref":"$undefined","xmlns":"http://www.w3.org/2000/svg","width":24,"height":24,"viewBox":"0 0 24 24","fill":"none","stroke":"currentColor","strokeWidth":2,"strokeLinecap":"round","strokeLinejoin":"round","className":"lucide lucide-arrow-right ml-2 h-4 w-4 transition group-hover:translate-x-1","children":[["$","path","1ays0h",{"d":"M5 12h14"}],["$","path","xquz4c",{"d":"m12 5 7 7-7 7"}],"$undefined"]}]]}]}]]}]]}],["$","div",null,{"className":"space-y-4","children":[["$","$L7",null,{"src":"/image/71-1-b6.jpg","alt":"Remise de clés et assurance PNO","width":900,"height":700,"className":"h-64 w-full rounded-3xl object-cover","priority":true}],["$","div",null,{"className":"grid gap-3 sm:grid-cols-3","children":[["$","div","Prime moyenne par lot",{"className":"rounded-2xl border border-border/60 bg-background/80 p-3 text-center","children":[["$","p",null,{"className":"text-xs uppercase text-muted-foreground","children":"Prime moyenne par lot"}],["$","p",null,{"className":"text-lg font-semibold text-foreground","children":"110 € / an"}]]}],["$","div","Franchise courante",{"className":"rounded-2xl border border-border/60 bg-background/80 p-3 text-center","children":[["$","p",null,{"className":"text-xs uppercase text-muted-foreground","children":"Franchise courante"}],["$","p",null,{"className":"text-lg font-semibold text-foreground","children":"150 €"}]]}],["$","div","Plafond RC",{"className":"rounded-2xl border border-border/60 bg-background/80 p-3 text-center","children":[["$","p",null,{"className":"text-xs uppercase text-muted-foreground","children":"Plafond RC"}],["$","p",null,{"className":"text-lg font-semibold text-foreground","children":"1,5 M€"}]]}]]}]]}]]}],["$","section",null,{"className":"rounded-3xl border border-border/70 bg-background/60 p-6","children":[["$","p",null,{"className":"text-xs font-semibold uppercase text-primary","children":"Exemples chiffrés"}],["$","div",null,{"className":"mt-4 grid gap-4 md:grid-cols-3","children":[["$","div","Studio LMNP – Bordeaux",{"className":"rounded-2xl border border-border/60 bg-card p-4","children":[["$","p",null,{"className":"text-sm font-semibold text-foreground","children":"Studio LMNP – Bordeaux"}],["$","p",null,{"className":"text-2xl font-semibold text-primary","children":"78 € / an"}],["$","p",null,{"className":"text-xs text-muted-foreground","children":"Garantie responsabilité civile + dégâts des eaux jusqu’à 1 M€."}]]}],["$","div","T3 + colocation – Rennes",{"className":"rounded-2xl border border-border/60 bg-card p-4","children":[["$","p",null,{"className":"text-sm font-semibold text-foreground","children":"T3 + colocation – Rennes"}],["$","p",null,{"className":"text-2xl font-semibold text-primary","children":"129 € / an"}],["$","p",null,{"className":"text-xs text-muted-foreground","children":"Options vandalisme + recours des locataires incluses."}]]}],["$","div","Immeuble 6 lots – Saint-Étienne",{"className":"rounded-2xl border border-border/60 bg-card p-4","children":[["$","p",null,{"className":"text-sm font-semibold text-foreground","children":"Immeuble 6 lots – Saint-Étienne"}],["$","p",null,{"className":"text-2xl font-semibold text-primary","children":"396 € / an"}],["$","p",null,{"className":"text-xs text-muted-foreground","children":"Contrat global comprenant parties communes et vacance."}]]}]]}]]}],[["$","section","PNO obligatoire ou recommandée ?",{"className":"space-y-3 rounded-3xl border border-border/60 bg-card/80 p-6","children":[["$","h2",null,{"className":"text-xl font-semibold text-foreground","children":"PNO obligatoire ou recommandée ?"}],[["$","p","Depuis la loi Alur, la PNO est obligatoire pour tous les bailleurs en copropriété. Même si votre bien est vacant, vous restez responsable des dégâts causés à des tiers (dégâts des eaux, incendie électrique, chute de tuiles…).",{"className":"text-sm text-muted-foreground","children":"Depuis la loi Alur, la PNO est obligatoire pour tous les bailleurs en copropriété. Même si votre bien est vacant, vous restez responsable des dégâts causés à des tiers (dégâts des eaux, incendie électrique, chute de tuiles…)."}],["$","p","La PNO complète l’assurance habitation du locataire et prend le relais en cas de défaut d’assurance ou de sinistre hors période d’occupation.",{"className":"text-sm text-muted-foreground","children":"La PNO complète l’assurance habitation du locataire et prend le relais en cas de défaut d’assurance ou de sinistre hors période d’occupation."}],["$","p","Lorsque vous détenez un immeuble entier, la PNO collective sert également à couvrir les parties communes entre deux locataires. Une fuite sur une colonne d’évacuation, une infiltration dans la cage d’escalier ou une chute de tuile sur un piéton relève souvent de cette couverture.",{"className":"text-sm text-muted-foreground","children":"Lorsque vous détenez un immeuble entier, la PNO collective sert également à couvrir les parties communes entre deux locataires. Une fuite sur une colonne d’évacuation, une infiltration dans la cage d’escalier ou une chute de tuile sur un piéton relève souvent de cette couverture."}]],["$","ul",null,{"className":"list-disc space-y-1 pl-4 text-sm text-muted-foreground","children":[["$","li","Studio < 25 m² : 60 à 90 € / an",{"children":"Studio < 25 m² : 60 à 90 € / an"}],["$","li","Appartement familial : 110 à 160 € / an",{"children":"Appartement familial : 110 à 160 € / an"}],["$","li","Immeuble entier : 420 € / an en moyenne",{"children":"Immeuble entier : 420 € / an en moyenne"}]]}]]}],["$","section","Que couvre la PNO ?",{"className":"space-y-3 rounded-3xl border border-border/60 bg-card/80 p-6","children":[["$","h2",null,{"className":"text-xl font-semibold text-foreground","children":"Que couvre la PNO ?"}],[["$","p","Responsabilité civile du bailleur (blessure d’un artisan, chute d’un visiteur…).",{"className":"text-sm text-muted-foreground","children":"Responsabilité civile du bailleur (blessure d’un artisan, chute d’un visiteur…)."}],["$","p","Dommages matériels : incendie, dégât des eaux, vandalisme, tempête, bris de glace.",{"className":"text-sm text-muted-foreground","children":"Dommages matériels : incendie, dégât des eaux, vandalisme, tempête, bris de glace."}],["$","p","Recours des voisins ou du syndic si le sinistre vient de votre lot.",{"className":"text-sm text-muted-foreground","children":"Recours des voisins ou du syndic si le sinistre vient de votre lot."}],["$","p","Certains contrats intègrent aussi l’indemnisation des loyers pendant les travaux de remise en état. Il faut alors vérifier le plafond (souvent 12 mois) et la franchise qui peut atteindre un mois de loyer.",{"className":"text-sm text-muted-foreground","children":"Certains contrats intègrent aussi l’indemnisation des loyers pendant les travaux de remise en état. Il faut alors vérifier le plafond (souvent 12 mois) et la franchise qui peut atteindre un mois de loyer."}]],"$undefined"]}],["$","section","Comment intégrer la PNO dans vos simulations ?",{"className":"space-y-3 rounded-3xl border border-border/60 bg-card/80 p-6","children":[["$","h2",null,{"className":"text-xl font-semibold text-foreground","children":"Comment intégrer la PNO dans vos simulations ?"}],[["$","p","Ajoutez la prime annuelle dans vos charges non récupérables. Dans nos simulateurs, nous avons fusionné PNO + GLI pour simplifier le calcul.",{"className":"text-sm text-muted-foreground","children":"Ajoutez la prime annuelle dans vos charges non récupérables. Dans nos simulateurs, nous avons fusionné PNO + GLI pour simplifier le calcul."}],["$","p","Si vous possédez plus de trois lots, négociez une PNO multi-biens ou groupe pour réduire la prime unitaire de 15 à 20 %.",{"className":"text-sm text-muted-foreground","children":"Si vous possédez plus de trois lots, négociez une PNO multi-biens ou groupe pour réduire la prime unitaire de 15 à 20 %."}],["$","p","Pensez à comparer au moins trois compagnies : certaines exigent un taux d’occupation minimum ou excluent les locations de courte durée. D’autres étendent l’assurance à la vacance ou aux biens en travaux, ce qui peut vous éviter un sinistre non couvert.",{"className":"text-sm text-muted-foreground","children":"Pensez à comparer au moins trois compagnies : certaines exigent un taux d’occupation minimum ou excluent les locations de courte durée. D’autres étendent l’assurance à la vacance ou aux biens en travaux, ce qui peut vous éviter un sinistre non couvert."}]],"$undefined"]}],["$","section","Checklist avant de signer une PNO",{"className":"space-y-3 rounded-3xl border border-border/60 bg-card/80 p-6","children":[["$","h2",null,{"className":"text-xl font-semibold text-foreground","children":"Checklist avant de signer une PNO"}],[["$","p","Vérifiez les exclusions : location saisonnière, logement inoccupé plus de 90 jours, travaux structurels…",{"className":"text-sm text-muted-foreground","children":"Vérifiez les exclusions : location saisonnière, logement inoccupé plus de 90 jours, travaux structurels…"}],["$","p","Analysez les franchises : il vaut parfois mieux payer une prime légèrement supérieure pour réduire la franchise à 150 € plutôt que 10 % du sinistre.",{"className":"text-sm text-muted-foreground","children":"Analysez les franchises : il vaut parfois mieux payer une prime légèrement supérieure pour réduire la franchise à 150 € plutôt que 10 % du sinistre."}],["$","p","Regroupez vos contrats (RC pro, GLI, multirisque immeuble) pour obtenir une remise globale et un interlocuteur unique.",{"className":"text-sm text-muted-foreground","children":"Regroupez vos contrats (RC pro, GLI, multirisque immeuble) pour obtenir une remise globale et un interlocuteur unique."}]],["$","ul",null,{"className":"list-disc space-y-1 pl-4 text-sm text-muted-foreground","children":[["$","li","Attestation à fournir à la banque lors de la mise en location",{"children":"Attestation à fournir à la banque lors de la mise en location"}],["$","li","Mettre à jour la valeur des aménagements (cuisine, SDB) tous les 3 ans",{"children":"Mettre à jour la valeur des aménagements (cuisine, SDB) tous les 3 ans"}],["$","li","Déclarer les changements d’usage (passage en colocation, location pro)",{"children":"Déclarer les changements d’usage (passage en colocation, location pro)"}]]}]]}]],["$","section",null,{"className":"rounded-3xl border border-border bg-card p-6","children":[["$","p",null,{"className":"text-xs font-semibold uppercase text-primary","children":"Ressources associées"}],["$","div",null,{"className":"mt-4 grid gap-4 md:grid-cols-2","children":[["$","$L6","/gli",{"href":"/gli","className":"rounded-2xl border border-border/60 p-4 transition hover:-translate-y-1 hover:border-primary/40","children":[["$","p",null,{"className":"text-sm font-semibold text-foreground","children":"Comparer PNO + GLI"}],["$","p",null,{"className":"text-xs text-muted-foreground","children":"Analyse des garanties loyers impayés et du binôme gagnant PNO/GLI."}]]}],["$","$L6","/charges-de-copropriete",{"href":"/charges-de-copropriete","className":"rounded-2xl border border-border/60 p-4 transition hover:-translate-y-1 hover:border-primary/40","children":[["$","p",null,{"className":"text-sm font-semibold text-foreground","children":"Charges de copropriété"}],["$","p",null,{"className":"text-xs text-muted-foreground","children":"Savoir ce qui est récupérable ou non auprès du locataire."}]]}],["$","$L6","/simulateur-cashflow",{"href":"/simulateur-cashflow","className":"rounded-2xl border border-border/60 p-4 transition hover:-translate-y-1 hover:border-primary/40","children":[["$","p",null,{"className":"text-sm font-semibold text-foreground","children":"Simuler mon cash-flow"}],["$","p",null,{"className":"text-xs text-muted-foreground","children":"Intégrer la prime PNO dans vos charges pour vérifier la rentabilité."}]]}]]}]]}]]}]
14:[["$","meta","0",{"name":"viewport","content":"width=device-width, initial-scale=1"}]]
12:[["$","meta","0",{"charSet":"utf-8"}],["$","title","1",{"children":"Assurance PNO | Notre Indépendance Financière"}],["$","meta","2",{"name":"description","content":"La PNO protège vos biens vacants et limite les mauvaises surprises budgétaires."}],["$","link","3",{"rel":"canonical","href":"https://notre-independance-financiere.fr/assurance-pno"}],["$","meta","4",{"property":"og:title","content":"Assurance PNO | Notre Indépendance Financière"}],["$","meta","5",{"property":"og:description","content":"La PNO protège vos biens vacants et limite les mauvaises surprises budgétaires."}],["$","meta","6",{"property":"og:url","content":"https://notre-independance-financiere.fr"}],["$","meta","7",{"property":"og:site_name","content":"Notre Indépendance Financière"}],["$","meta","8",{"property":"og:locale","content":"fr_FR"}],["$","meta","9",{"property":"og:image","content":"https://notre-independance-financiere.fr/og-cover.png"}],["$","meta","10",{"property":"og:image:width","content":"1200"}],["$","meta","11",{"property":"og:image:height","content":"630"}],["$","meta","12",{"property":"og:image:alt","content":"Notre Indépendance Financière"}],["$","meta","13",{"property":"og:type","content":"website"}],["$","meta","14",{"name":"twitter:card","content":"summary_large_image"}],["$","meta","15",{"name":"twitter:creator","content":"@notreindep"}],["$","meta","16",{"name":"twitter:title","content":"Assurance PNO | Notre Indépendance Financière"}],["$","meta","17",{"name":"twitter:description","content":"La PNO protège vos biens vacants et limite les mauvaises surprises budgétaires."}],["$","meta","18",{"name":"twitter:image","content":"https://notre-independance-financiere.fr/og-cover.png"}],["$","meta","19",{"name":"twitter:image:width","content":"1200"}],["$","meta","20",{"name":"twitter:image:height","content":"630"}],["$","meta","21",{"name":"twitter:image:alt","content":"Notre Indépendance Financière"}],["$","link","22",{"rel":"icon","href":"/favicon.ico","type":"image/x-icon","sizes":"16x16"}],["$","link","23",{"rel":"icon","href":"/icon.svg?66cc85a8b85e3cc3","type":"image/svg+xml","sizes":"any"}]]
10:null